@Anonymous wrote:
@latepayerny wrote:
Ummm just using CC's when funds were tough, managed to max most of them out. I did open new CC's during this time but maxed them out as wellWell i guess the only question here is, Are you in a position now to pay back?
OP stated he was in that position a few times so far 
@Anonymous wrote:
@Anonymous wrote:
@latepayerny wrote:t-u 698 eq 704 ex 697
i have never missed any payment, good credit for 18 years, homeowner, i have many credit cards but my problem is that most of them are maxed out (total $34,000), i am coming into some money soon and plan to pay down all my credit cards to a very small ballance !!! my question is how much will my credit score go UP and how long will it take to go UP ............????
Wow, you've been a member since 2008 and this is your 1st post?!?! Haha
Yeah, this is the real Longtimlurker! Not like that other fake Brit "pipe" guy....
Will real longtimelurker please stand up!
@latepayerny wrote:eq-723 tu-716 ex-700
about 2 weeks ago i paid down $23,000 of my $38,000 in credit card debit ................
my score only went up about 10 points , because only 1 of the credit cards($4,000) reported to back to the the 3 agencies...........
how often do they report back and does anybody know how long it takes for my score to rise ????
So you still will have $15k on cards? Can you list out the cards, their available credit limit, and what the balances are on them now? That utilization percentage, on individual cards and overall, can hold down your score as well. So the promises of FICO 800 earlier in the thread? Maybe not yet.
Congratuilations on the big paydown, however, that is going to get the score moving in the right direction.
